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Students watching the COVID-19 pandemic play out have reason to be wary of taking on additional loans for college. With what could be a slow economic recovery, signing up for an additional bill that comes each month, no matter what, might sound like a bad idea.Federal student loan payments are currently paused. But those repayments are scheduled to resume next year before current students can take advantage of the halt. And while government income-based repayment plans and forbearance can offer a respite for economic hardships, interest still continues to add up. Private loans are even less forgiving and almost always require a co-signer.But there’s an alternative emerging: income share agreements, or ISAs. With these agreements, students borrow money from their school or a third-party provider and repay a fixed percentage of their future income for a predetermined amount of time after leaving school.Depending on the terms of the agreement and the student’s post-graduation salary, the total repaid could be much more or far less than the amount borrowed. It’s a gamble that could be worth it for students who’ve exhausted federal aid and scholarships. Here’s why.No co-signer requiredMost students need a co-signer to qualify for private student loans. Co-signers are on the hook for any missed payment, and a large balance can be a burden on their credit report. As families look to make ends meet, they may need that borrowing leverage for themselves.Income share agreements are co-signer-free. Instead of credit history, students typically get an ISA based on their year in school and major. The best terms are often reserved for students in high-earning majors near graduation, like seniors studying STEM fields. But high earners also risk having to repay a larger amount.If an income share agreement isn’t the right fit for you and you need additional funding without a co-signer, consider a private student loan designed for independent students. These loans are often based on your earning potential and don’t require co-signers. They may also offer flexible repayment options based on salary or career tenure.Unemployment safety netWith an income share agreement, if you’re unemployed — or if your salary falls below a certain threshold, which can be as low as ,000 or as high as ,000 — you don’t make payments. No interest accrues, and the term of your agreement doesn’t change.That makes these agreements a good option for students in times of economic uncertainty, says Ken Ruggiero, chairman and CEO of consumer finance company Goal Structured Solutions, which is the parent company of student loan providers Ascent and Skills Fund and provides funding for school-based ISAs.“I like the idea of not having to make a payment when you’re going into a recession or right after the recovery happened,” he says.If you’re a junior, senior or graduate student poised to enter the workforce soon, that could make an income share agreement more attractive. Tess Michaels, CEO of income share agreement provider Stride Funding, says she’s seen a significant increase in inquiries since the pandemic forced schools to shut down in March.But freshmen and sophomores have more time to wait out the economic fallout. If you’re further from starting your career, weigh the recession-related benefits of an income share agreement against the risk of giving up a percentage of your future income. Remember, you won’t know the total cost of an ISA when you sign up.But it’s not right for all studentsSome colleges offer income share agreements to all students regardless of major or tenure. Still, many of these programs prioritize upperclassmen, making it harder for freshmen and sophomores to qualify.But an income share agreement might be the wrong move even if you’re graduating soon. If your income is higher than average after graduation, you might pay much more than you received.Let’s say you get ,000 from a private ISA company and agree to pay 9% of your salary for five years. If you earn ,000 a year (the average starting salary for a college graduate) for the length of your term, you’ll repay ,950. That is equivalent to a 10.6% interest rate. In that case, a private student loan could be a better option. Fixed rates on private student loans are hovering around 4%, though independent students will likely pay more.And income share agreements have fewer protections for borrowers than student loans. Tariq Habash, head of investigations at the Student Borrower Protection Center, says that while consumer protection laws apply to these agreements, “ISA providers will say there isn’t really legal clarity because they’re new and different.” He said that he saw the same thing with payday loans and fears ISAs will take advantage of the most vulnerable students.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondCollege During COVID-19: Your Aid Questions AnsweredWhat to Do if There Isn’t COVID-19 Student Loan ForgivenessCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 5166

Target says they are kicking off the holiday season early this year by bringing back its 2-day sales event "Deal Days."The sales event is scheduled for Oct. 13 and 14, with more than double the deals than last year, the company announced.“This year, in a holiday season unlike any other, we know it’s more important than ever for our guests to get great deals in a convenient and safe shopping environment,” said Christina Hennington, executive vice president, and chief merchandising officer, Target, in the press release. “By kicking off our holiday deals earlier than ever, offering Black Friday pricing throughout the full month of November and extending our Price Match Guarantee, we’re letting guests know they don’t need to wait or face the crowds to get the best deals, all with no membership fees required.”Their event will be done alongside Amazon’s Prime Day, CNN reported.Target also added that they’d be offering Black Friday deals throughout the entire month of November for the first time.Last week, the company said they would be doubling its staff who will be solely responsible for contactless shopping options, like its “Drive Up” service.Target said they expect to hire the same amount of seasonal workers this year as they did in 2019, which was more than 130,000. 1293

Texas Governor Greg Abbott issued an executive order on Friday limiting certain businesses and services as part of the state’s effort to contain the spread of COVID-19.This decision comes as the number of people testing positive for COVID-19 and the number of hospitalizations have increased and the positivity rate in Texas increased above 10%, which the Governor previously stated would lead to further preventative action.“As I said from the start if the positivity rate rose above 10%, the State of Texas would take further action to mitigate the spread of COVID-19,” Governor Abbott said. “At this time, it is clear that the rise in cases is largely driven by certain types of activities, including Texans congregating in bars. The actions in this executive order are essential to our mission to swiftly contain this virus and protect public health. We want this to be as limited in duration as possible. However, we can only slow the spread if everyone in Texas does their part. Every Texan has a responsibility to themselves and their loved ones to wear a mask, wash their hands, stay six feet apart from others in public, and stay home if they can. I know that our collective action can lead to a reduction in the spread of COVID-19 because we have done it before, and we will do it again.”The targeted, measured directives in the executive order are based on links between certain types of businesses and services and the recent rise in positive cases throughout the state.The order includes the following:All bars and similar establishments that receive more than 51% of their gross receipts from the sale of alcoholic beverages are required to close at noon on Friday.These businesses may remain open for delivery and take-out, including for alcoholic beverages, as authorized by the Texas Alcoholic Beverage Commission.Restaurants may remain open for dine-in service, but at capacity not to exceed 50% of total listed indoor occupancy, beginning Monday.Rafting and tubing businesses must close.Outdoor gatherings of 100 or more people must be approved by local governments, with certain exceptions.KXXV first reported this story. 2149

Texas students will return to public schools in person this fall, Gov. Greg Abbott told state lawmakers Thursday morning.The state's top education officials confirmed the plans in a statement to The Texas Tribune."It will be safe for Texas public school students, teachers, and staff to return to school campuses for in-person instruction this fall. But there will also be flexibility for families with health concerns so that their children can be educated remotely if the parent so chooses," said Texas Education Commissioner Mike Morath.When students return, school districts will not be required to mandate students to wear masks or test them for COVID-19 symptoms, said Frank Ward, a spokesperson for the Texas Education Agency.The TEA is expected to release additional guidance for school districts next Tuesday. Abbott has long said his intention is for students to return in-person this fall, saying this week that there will "definitely be higher safety standards in place than when they opened last year.""I will tell you that my goal is to see students back in classrooms in seats interacting personally with teachers as well as other students," he told KLBK TV in Lubbock on Monday. "This is a very important environmental setting for both the students, for the teachers and for the parents.”Abbott has pressed forward with reopening businesses and other public spaces for weeks, even as the number of new cases and people hospitalized with the virus has continued to rise. Democrats and officials in some of the state's biggest cities have raised alarm about the pace, saying it's putting people's health at risk."Abbott’s failed leadership has cost lives and has led to Texas becoming one of the most dangerous states to live in during this pandemic," said Texas Democratic Party Communications Director Abhi Rahman in a statement Thursday.According to state lawmakers on the 11 a.m. call, school districts will be able to also offer instructional alternatives for students. The decision comes as COVID-19 cases and hospitalizations continue to rise statewide, and local officials begin to put firmer restrictions in place to tamp down the spread in their cities and counties.National surveys have shown many parents do not feel safe sending their students back to the classrooms, with one poll showing two-thirds in support of keeping schools closed until the pandemic's health risk has passed.School districts' surveys of parents are showing that many students will stay home, even when the classrooms are open. That could pose a financial risk to districts, which receive state funding based on student attendance. Already, many districts are planning for hybrid programs, with some students learning virtually and some learning in person, allowing them to keep class sizes small.This year, Texas used federal stimulus dollars to fund school districts through this year's mandated school closures, as long as they offered some type of remote education. But state officials have not yet said whether they will continue to fund them for students who do not show up in person in the fall.With budget deadlines approaching at the end of the month, some districts are making tentative plans without clear state guidance. Fort Bend Independent School District announced earlier this week that its elementary and middle school students will return to their classrooms with adjusted schedules in the fall.District officials are working to develop a plan for older students that combines virtual classes and classroom instruction. Online instruction will be an option for any student who doesn't feel safe returning to the classroom in mid-August.KXXV's Aliyya Swaby and Cassandra Pollock first reported this story. 3731

TAMPA, Fla. -- As parents across the country grow more concerned every morning when they send their kids to school, more and more are turning to bulletproof backpacks.“After Sandy Hook, people couldn’t wrap their minds around a bulletproof backpack but now they think it’s something that they need," said Yasir Sheikh, the president of Guard Dog Security.The Sandy Hook shooting inspired Sheikh to create a backpack out of bulletproof materials. It doesn’t seem like much. The backpack has just a thin layer of kevlar, but it is certified to withstand handgun rounds.“Ideally, we think with the way things are going this should become mandatory, common for all students," said Skeikh. "It’s a sad reality, it’s become a new normal."Others feel the same. Just three days after the deadly school shooting in South Florida his company saw a 150 percent increase in the number of bags they shipped.But do they actually work?Ryan Hart is a certified firearm instructor for defense training company Ground Ready International Training, or G.R.I.T Ready. He also teaches active shooter survival courses.Hart put a barrel with sand behind the backpack to simulate a body and took aim with his Glock 19.“The rounds definitely penetrated the front of the bag here," said Hart inspecting the shot-up bag, "But if we flip it over there’s no penetration past the armor itself."Next up: the AR-15.In the last decade, this style of gun has been used in six of the 10 deadliest mass shootings throughout the country, including the Parkland school shooting.“It went right through the soft armor," Hart said after spraying the backpack with bullets from the AR-15.It's what Hart expected, as the Guard Dog Security backpack is not certified to withstand assault-style weapons. To stop bullets from a similar weapon, the backpack would need to be equipped with steel plates like those installed in military vests. However, that would make the backpack fairly heavy to carry.“I would recommend (the backpack), yes," Hart said. "While it did not stop a direct shot from an assault rifle it can still stop bullet fragments, ricochets, glass flying through the air.”Then we posed this question to Skeikh: "What do you think it says about our society that we are resorting to items like this?"The backpacks cost between 0-200. Fifty percent of the proceeds from sales of the backpacks right now will go to the victim's families of the Parkland shooting.Guard Dog Security is also looking into possibly making backpack, that would have the ability to stop assault-style weapons. 2664